Astute Gold Hospital

Astute Gold Hospital

Provides top private hospital cover, which can be taken as a stand-alone hospital product if you only need hospital cover, or can be packaged with one of our Extras products.

Astute Gold Hospital provides top private hospital cover, which can be taken as a stand-alone hospital product if you only need hospital cover, or you can tailor your own combined hospital and extras package by combining Astute Gold Hospital with our Extras products. With an excess, you are effectively reducing your premium and saving money.

Astute Gold Hospital

Hospital Cover Single Excess Couples & Family Excess
  Per calendar year Per person, per calendar year Maximum per policy, per calendar year
Astute Gold Hospital 250 $250 $250 $500
Astute Gold Hospital 500 $500 $500 $1,000
Astute Gold Hospital 750 $750 $750 $1,500

The excess only applies to adults who are hospitalised overnight. It does not apply to same-day hospital treatment or to children covered by the policy. 

For information on waiting periods, including pre-existing conditions click here.

For information on exclusions, restrictions and/or excesses refer to our membership conditions.

A full list of the private hospitals and day hospital facilities that are contracted with the underwriter St Lukes is available here.

Dependant extension option available on this product:
Our dependant extension option means that your non-student child dependant can remain on their parent’s policy for an additional premium, provided they are aged between 23 and 25, not studying full-time and are not married or living in a defacto relationship.

For more information on Dependant Extension, contact Astute Simplicity Health on 1300 090 960.

Hospital Benefits


Hospital psychiatric services

Palliative care

Ear, nose & throat

Tonsils, adenoids and grommets

Bone, joint and muscle

Joint reconstruction

Hernia and appendix


Brain and nervous system

Digestive system

Gastrointestinal and endoscopy

Chemotherapy, radiotherapy and immunotherapy for cancer

Pain management

Breast surgery (medically necessary)

Eye (not cataracts)

Kidney and bladder

Male reproductive system

Miscarriage and termination of pregnancy


Diabetes (excluding insulin pumps)

Dental surgery

Lung and chest


Plastic and reconstructive surgery (medically necessary)

Implantation of hearing devices

Back, neck and spine (incl. fusion)

Heart and vascular system

Podiatric surgery (provided by an accredited podiatric surgeon)

Pregnancy and birth

Assisted reproductive services

Insulin pumps

Pain management with device

Sleep Studies


Joint replacements

Dialysis for chronic kidney disease

Weight loss surgery

Need help deciding

Our friendly staff are only a phone call away and are trained to provide personalised service to assist you in choosing the level of health cover you require.